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The American Express Centurion Card, known informally as the Amex Black Card.

Top 10 Most Exclusive and Prestigious Credit Cards

Credit & Debit Card News, Reviews & Resources (90) Top 10 Most Prestigious Credit Cards

A CREDIT CARD is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

The size of most credit cards is 3⅜ × 2⅛ in (85.60 × 53.98 mm), conforming to the ISO/IEC 7810 ID-1 standard. Credit cards have a printed or embossed bank card number complying with the ISO/IEC 7812 numbering standard. Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG 1. Before magnetic stripe readers came into widespread use, plastic credit cards issued by many department stores were produced on stock ("Princess" or "CR-50") slightly longer and narrower than 7810.

A DEBIT CARD (also known as a bank card or check card) is a plastic payment card that provides the cardholder electronic access to his or her bank account(s) at a financial institution. Some cards may bear a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payer's designated bank account. The card, where accepted, can be used instead of cash when making purchases. In some cases, the primary account number is assigned exclusively for use on the Internet and there is no physical card.

In many countries, the use of debit cards has become so widespread that their volume has overtaken or entirely replaced cheques and, in some instances, cash transactions. The development of debit cards, unlike credit cards and charge cards, has generally been country specific resulting in a number of different systems around the world, which were often incompatible. Since the mid-2000s, a number of initiatives have allowed debit cards issued in one country to be used in other countries and allowed their use for internet and phone purchases.

Unlike credit and charge cards, payments using a debit card are immediately transferred from the cardholder's designated bank account, instead of them paying the money back at a later date.

Debit cards usually also allow for instant withdrawal of cash, acting as the ATM card for withdrawing cash. Merchants may also offer cashback facilities to customers, where a customer can withdraw cash along with their purchase.

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    Credit & Debit Card News, Reviews & Resources
  • American Express Platinum Card - "Unique Experiences. Exceptional Services & Rewards." Earn 60,000 Membership Rewards Points after you use your new Card to make $5,000 in purchases in your first 3 months. Annual fee: US$550.
  • CENTURION CARD | BLACK AMEX CARD - invitation only charge card issued by American Express to platinum card holders after they meet certain criteria. In the United States, the initiation fee is $7,500 in addition to the $2,500 annual fee from each cardholder. You need to spend $500,000 every year for the business card, and $250,000 for the personal card.
  • Chase Ink Business Preferred Credit Card - "Get rewarded for all your business spending." The Chase Ink Business Preferred Credit Card is a card respected by business owners of all revenue sizes, offering 3X Ultimate Rewards points per dollar in several useful business categories.
  • CHASE SAPPHIRE RESERVE credit card - "Enjoy elevated rewards for all your travels." Regarded as one of the best premium travel cards on the market, the Chase Sapphire Reserve is in the pockets of millionaires and more modest cardholders alike. For frequent travelers who eat out a lot, this is one of the best flexible travel and dining rewards cards around. Although the annual fee is relatively high ($450), it is recouped by utilizing the card’s rewards and generous annual travel credit ($300).
  • Citi Chairman American Express Card - "This premium Card offers you extraordinary benefits with exceptional value." Get the VIP Treatment you deserve. Cardmembers get privileged access to special, extraordinary experiences. Each month we present a selection of the most original travel and lifestyle trends with ideas from around the world.
  • COUTTS silk charge card - "A charge card with a high monthly spending limit, Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering the ability to order additional cards with tailored spending limits and varying benefits."
  • Dubai First Royale Card - "Desired by many but attainable by only a select few, the world of Royale Card is tailored to the demanding lifestyle of the true ..." By Invitation Only. Diamond-embedded Crest. No Pre-set Spending Limit. Dedicated Relationship Manager. Royale Lifestyle Management.
  • J.P. Morgan Reserve CARD - since 2016. The J.P. Morgan Reserve card, formerly known as Chase Palladium, is by invitation only, reportedly only for individuals with at least $10 million in assets managed by J.P. Morgan. Annual fee: US$595.
  • Mastercard Black Card - "The new Mastercard Black Card - Black-PVD-Coated Metal Card - is the ultimate buying tool. The Best Airfare Redemption Rate Versus the Competition. 24/7 Luxury Card Concierge. Around-the-clock availability via phone, live chat and email, Luxury Card Concierge will assist you with travel bookings, various personal requests and more. The Concierge is available to every Cardmember 24/7 with no hidden fees. Our dedicated agents provide a complete lifestyle management tool tailored to each Cardmember’s specific needs, ensuring you save time and enjoy exceptional service." Annual fee: US$495.
  • Mastercard Gold Credit Card - "Enjoy extra spending power with fewer fees and penalties."
The Card

Upcoming VIP Privilege Membership Card

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